Automobile Insurance

The program provides low cost automobile insurance to low-income people who live in anywhere in California. California legislation enacted this program to establish lower insurance rates for good drivers who are low-income. There are no geographic restrictions.

The program provides the minimum limited liability auto insurance as required by law, for personal vehicles only. The liability limits are $10,000 bodily injury or death per person, $20,000 bodily injury for each accident and $3,000 property damage for each accident.

This insurance will not cover damage to the applicant's vehicle. Medical payments up to $1,000 and uninsured motorist limits of $10,000/$20,000 are available for an additional charge. Applicants cannot select their own insurance company; applications are randomly assigned to participating companies.

Eligibility requirements for the program include:

- Live in California.

- Applicant is not a college student claimed as a dependent of another person for federal or state income taxes.

- Applicant's automobile has a current value of $25,000 or less (Vehicle value is determined by the DMV when assessing the vehicle license fees).

- Applicant is at least 19 years old or an emancipated minor 16 and older.

- Applicant has no vehicle code felony or misdemeanor convictions on their driving record.

- Applicant has not had an at-fault accident involving bodily injury or death in the last three years.

- Applicant has not had more than one, or both, of the following in the past three years:

1) A property damage accident only in which they were principally at fault

2) A point on their DMV record for a moving violation

- All cars in applicant's household will be insured through this program.

- Household members do not own more than 2 vehicles per person.

- The household gross annual income is 250% or less of the federal poverty level.

A household consists of all persons who occupy a housing unit and who are related by blood, marriage, adoption or guardianship. More than one family living in the same housing unit constitutes different families for eligibility purposes.